What is an FBC roof covering?

Thursday, April 2, 2020

FBC stands for Florida Building Code, and an FBC roof covering is one that meets the standards of the 2001 Florida Building Code or a later edition, and the date of the roofing permit application was March 1, 2002, which is when the 2001 FBC went into effect, or later. An FBC roof covering gets you a discount on the windstorm portion of your homeowner’s insurance when you have a wind mitigation inspection done on your home.

An alternative to FBC approval, which applies only to Miami-Dade and Broward counties only, is an SFBC (South Florida Building Code) approved roof covering. This is proven by a permit application date of September 1, 1994 or later in those counties, or if the roof is original and built in 1997 or later. 

    One last way to get the discount is when the inspector can find proof of a Miami-Dade or FBC Product Approval number for the roof material, which is sometimes marked on the back of the roofing. But this is difficult to do without damaging the roof, and not often possible.

   If the permit date is not aligned with FBC or SFBC approval, or the roof was not permitted and a Miami-Dade or SFBC Product Approval marking cannot be found, or if only part of the roof is compliant, then the roof covering discount cannot be applied towards your wind mitigation inspection.

    Here’s the section of the Wind Mitigation report form (OIR-B1-1802) that is applicable.

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Here’s links to a collection of our other blog posts about INSURANCE:

Which building permit date is used for the Building Code section of the wind mitigation form? 

What are the different roof deck attachment discount categories for a wind mitigation inspection? 

What determines the year of a house? 

What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

Should I give a copy of the home inspection report to the bank or insurance company? 

How do I get my home ready for a four point inspection for insurance? 


Can I do my own wind mitigation inspection?  

Will a house without air conditioning pass a 4 point inspection?  

• What’s the difference between a gable and hip roof for my insurance? 

• Why does my homeowner's insurance want a four point inspection? 

• What is the wind mitigation inspection for homeowner's insurance? 

Which water pipes are an insurance problem and possibly uninsurable? 


Why does my homeowner's insurance want a roof inspection? 

• Is it common for an insurance company to require an inspection? 

• How do I get insurance if my home can't pass a 4-point inspection? 

* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?

 Why is a fuse box/panel an insurance problem for homebuyers? 

 How is Citizens Property Insurance different from other Florida homeowners insurance companies?  

 Do I need a home inspection to get insurance? 

 Is the 4-point insurance inspection strictly pass or fail? 

    Visit our ROOF AND ATTIC and INSURANCE pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.

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